"Evaluation" How about Taikang Life Smart Win Life Annuity Insurance (participating type)? good or not?

Recently, many people have asked whether Taikang Life Insurance Zhi Win Life Annuity Insurance (dividend type) is good? How about it?

Smart Life (Participating) Annuity Insurance is essentially:

Participating Annuity Insurance + Universal Insurance Product Portfolio

It is one of the three common types of wealth management insurance.

This type of product features two accounts, A and B. The

A account is the main insurance purchased by you, and a fixed amount of money will be returned every year, which is a guaranteed income. The

B account is a gifted universal account , which is a bit like a current account such as "Yuebao". It is very flexible to deposit money at any time with and withdraw .

Recently, many people have asked whether Taikang Life Insurance Zhi Win Life Annuity Insurance (dividend type) is good? How about it?

Smart Life (Participating) Annuity Insurance is essentially:

Participating Annuity Insurance + Universal Insurance Product Portfolio

It is one of the three common types of wealth management insurance.

This type of product features two accounts, A and B. The

A account is the main insurance purchased by you, and a fixed amount of money will be returned every year, which is a guaranteed income. The

B account is a gifted universal account , which is a bit like a current account such as "Yuebao". It is very flexible to deposit money at any time with and withdraw .

1. A account introduction (main insurance)

Let's look at the specific terms as follows:

A account looks very complicated, but in fact only need to pay attention to the "four golds" (death gold is not explained)

(1) Special insurance

(2) Survival insurance

(3) Endowment insurance

(4) Longevity insurance

The rules for receiving each gold are as follows: Case

html A 225-year-old male purchased the product for himself

html and paid a premium of 15,000 yuan per year for 10 consecutive years, with a total premium of 150,000 yuan.

1, special survival gold 30-31 years old;

receive 1 time each: 15000 yuan, a total of 2 times total: 15000X2=30000 yuan;

2, survival gold 32-64 years old;

receive 1296 yuan per year, a total of 33 times Total: 1296X33=42768 yuan;

3, pension 65-lifetime

65-69 years old; 2592 yuan per year,

70-74 years old; 3888 yuan per year,

75-79 years old; 5184 yuan per year,

80 Age-84; 6480 yuan per year,

85-89; 7776 yuan per year,

...

4, birthday gold 70 years old, 80 years old

70 years old, 80 years old, each receive once, 6480 yuan; The content of account A is written in the contract and is 100% guaranteed.

3. How about the product? good or not?

Compared with products of the same type on the market, Taikang Life Insurance Zhiying Life Annuity Insurance (dividend type) is generally cost-effective.

(1) The repayment speed of Zhisheng Life is a bit slow.

is characterized by fast repayment of money.

is currently the best annuity on the market. All premiums can be returned within 5 years after the payment is completed.

This product from Taikang In the 63rd year, the insured did not receive a total of 157,000 yuan until the age of 87, barely exceeding the principal .

That is to say, it takes 63 years for Zhiying's life to pay off.

(2) The total amount of Zhiwin's life benefits is very small.

The longer you live, the more you will receive.The accumulative total amount received is about 310,000 yuan;

spanned a 75-year cycle, and Zhi Win Life only received 160,000 yuan in revenue.

(3) The interest rate of the universal account is not 100% guaranteed

The income of the universal account is not guaranteed, this is common sense.

However, many people do not know, and salesmen will deliberately not say. There are 3 universal accounts that

Zhiying Life can match, namely:

Xin account (excellent version), Xin account (extreme version), Xin account (zun win version)

These three universal accounts have a guaranteed minimum interest rate of 2.85%.

(1) Guaranteed interest rate: guaranteed income written in the contract;

(2) Settlement interest rate: every month insurance company will announce this month's interest rate on the official website, this is a floating , which can be high or low. Generally speaking, dividends refer to this interest rate.

What should be noted here is the universal account, no matter how high the calculation is, it is all false.

The 100% guaranteed return is 2.85% in black and white.

3. Horizontal comparison of the market ;

0,000 x jubilee is now the most popular "money-saving artifact" to increase life expectancy.

(1) Fortune X Sheng Annuity Most of the time, more

Fortune X Sheng annuity is received every year, and the amount received almost every year in the first 60 years is more than Taikang Zhi Ying Life.

until the insured is 84 years old,Taikang Zhiying Life will receive more money.

(2) Fuyun xsheng annuity payback time is earlier

Fuyun xsheng was 77 years old, and the amount received was about 150,000, which exceeded the total premium.

Taikang Zhiying Life was only 150,000 when the insured was 87 years old, about 10 years later than the former.

(3) Wan X Jubilee, faster return

If you value the return speed of capital,

actually choose the product with increased lifetime life that is more suitable for you.

Extended reading:

Hard core science | What is the increased lifetime? What is the use? How to choose?

chose Wan X Jubilee for comparison. After was insured with , the cash value was as high as 180,000. If

chooses to withdraw at this time, they can get back 180,000 yuan, which is 30,000 yuan more than the investment.

Therefore, if you want to pay back the cost quickly, it is better to choose products such as extended life.

Fourth, Julian's suggestion

In fact, the product itself is not good or bad, but some salesmen do not understand the market, or lack of professional ability;

Therefore, intentionally or unintentionally cause sales misleading to ordinary consumers.

is obviously a non-guaranteed income, but you dare to swear on your chest;

obviously has better products on the market, but turn a blind eye;

Therefore, I sincerely suggest that you should calm down and

Think about what you really want.

and then find the corresponding best and most suitable product.

Unified ID for the whole network, Julian Julian

Recently, many people have asked whether Taikang Life Insurance Zhi Win Life Annuity Insurance (dividend type) is good? How about it?

Smart Life (Participating) Annuity Insurance is essentially:

Participating Annuity Insurance + Universal Insurance Product Portfolio

It is one of the three common types of wealth management insurance.

This type of product features two accounts, A and B. The

A account is the main insurance purchased by you, and a fixed amount of money will be returned every year, which is a guaranteed income. The

B account is a gifted universal account , which is a bit like a current account such as "Yuebao". It is very flexible to deposit money at any time with and withdraw .

1. A account introduction (main insurance)

Let's look at the specific terms as follows:

A account looks very complicated, but in fact only need to pay attention to the "four golds" (death gold is not explained)

(1) Special insurance

(2) Survival insurance

(3) Endowment insurance

(4) Longevity insurance

The rules for receiving each gold are as follows: Case

html A 225-year-old male purchased the product for himself

html and paid a premium of 15,000 yuan per year for 10 consecutive years, with a total premium of 150,000 yuan.

1, special survival gold 30-31 years old;

receive 1 time each: 15000 yuan, a total of 2 times total: 15000X2=30000 yuan;

2, survival gold 32-64 years old;

receive 1296 yuan per year, a total of 33 times Total: 1296X33=42768 yuan;

3, pension 65-lifetime

65-69 years old; 2592 yuan per year,

70-74 years old; 3888 yuan per year,

75-79 years old; 5184 yuan per year,

80 Age-84; 6480 yuan per year,

85-89; 7776 yuan per year,

...

4, birthday gold 70 years old, 80 years old

70 years old, 80 years old, each receive once, 6480 yuan; The content of account A is written in the contract and is 100% guaranteed.

3. How about the product? good or not?

Compared with products of the same type on the market, Taikang Life Insurance Zhiying Life Annuity Insurance (dividend type) is generally cost-effective.

(1) The repayment speed of Zhisheng Life is a bit slow.

is characterized by fast repayment of money.

is currently the best annuity on the market. All premiums can be returned within 5 years after the payment is completed.

This product from Taikang In the 63rd year, the insured did not receive a total of 157,000 yuan until the age of 87, barely exceeding the principal .

That is to say, it takes 63 years for Zhiying's life to pay off.

(2) The total amount of Zhiwin's life benefits is very small.

The longer you live, the more you will receive.The accumulative total amount received is about 310,000 yuan;

spanned a 75-year cycle, and Zhi Win Life only received 160,000 yuan in revenue.

(3) The interest rate of the universal account is not 100% guaranteed

The income of the universal account is not guaranteed, this is common sense.

However, many people do not know, and salesmen will deliberately not say. There are 3 universal accounts that

Zhiying Life can match, namely:

Xin account (excellent version), Xin account (extreme version), Xin account (zun win version)

These three universal accounts have a guaranteed minimum interest rate of 2.85%.

(1) Guaranteed interest rate: guaranteed income written in the contract;

(2) Settlement interest rate: every month insurance company will announce this month's interest rate on the official website, this is a floating , which can be high or low. Generally speaking, dividends refer to this interest rate.

What should be noted here is the universal account, no matter how high the calculation is, it is all false.

The 100% guaranteed return is 2.85% in black and white.

3. Horizontal comparison of the market ;

0,000 x jubilee is now the most popular "money-saving artifact" to increase life expectancy.

(1) Fortune X Sheng Annuity Most of the time, more

Fortune X Sheng annuity is received every year, and the amount received almost every year in the first 60 years is more than Taikang Zhi Ying Life.

until the insured is 84 years old,Taikang Zhiying Life will receive more money.

(2) Fuyun xsheng annuity payback time is earlier

Fuyun xsheng was 77 years old, and the amount received was about 150,000, which exceeded the total premium.

Taikang Zhiying Life was only 150,000 when the insured was 87 years old, about 10 years later than the former.

(3) Wan X Jubilee, faster return

If you value the return speed of capital,

actually choose the product with increased lifetime life that is more suitable for you.

Extended reading:

Hard core science | What is the increased lifetime? What is the use? How to choose?

chose Wan X Jubilee for comparison. After was insured with , the cash value was as high as 180,000. If

chooses to withdraw at this time, they can get back 180,000 yuan, which is 30,000 yuan more than the investment.

Therefore, if you want to pay back the cost quickly, it is better to choose products such as extended life.

Fourth, Julian's suggestion

In fact, the product itself is not good or bad, but some salesmen do not understand the market, or lack of professional ability;

Therefore, intentionally or unintentionally cause sales misleading to ordinary consumers.

is obviously a non-guaranteed income, but you dare to swear on your chest;

obviously has better products on the market, but turn a blind eye;

Therefore, I sincerely suggest that you should calm down and

Think about what you really want.

and then find the corresponding best and most suitable product.

Unified ID for the whole network, Julian Julian

Generally speaking, dividends refer to this interest rate.

What should be noted here is the universal account, no matter how high the calculation is, it is all false.

The 100% guaranteed return is 2.85% in black and white.

3. Horizontal comparison of the market ;

0,000 x jubilee is now the most popular "money-saving artifact" to increase life expectancy.

(1) Fortune X Sheng Annuity Most of the time, more

Fortune X Sheng annuity is received every year, and the amount received almost every year in the first 60 years is more than Taikang Zhi Ying Life.

Until the insured is 84 years old, Taikang Zhiying will receive more money.

(2) Fuyun xsheng annuity payback time is earlier

Fuyun xsheng was 77 years old, and the amount received was about 150,000, which exceeded the total premium.

Taikang Zhiying Life was only 150,000 when the insured was 87 years old, about 10 years later than the former.

(3) Wan X Jubilee, faster return

If you value the return speed of capital,

actually choose the product with increased lifetime life that is more suitable for you.

Extended reading:

Hard core science | What is the increased lifetime? What is the use? How to choose?

chose Wan X Jubilee for comparison. After was insured with , the cash value was as high as 180,000. If

chooses to withdraw at this time, they can get back 180,000 yuan, which is 30,000 yuan more than the investment.

Therefore, if you want to pay back the cost quickly, it is better to choose products such as extended life.

Fourth, Julian's suggestion

In fact, the product itself is not good or bad, but some salesmen do not understand the market, or lack of professional ability;

Therefore, intentionally or unintentionally cause sales misleading to ordinary consumers.

is obviously a non-guaranteed income, but you dare to swear on your chest;

obviously has better products on the market, but turn a blind eye;

Therefore, I sincerely suggest that you should calm down and

Think about what you really want.

and then find the corresponding best and most suitable product.

Unified ID for the whole network, Julian Julian